When he said that you have to deduct money even if you don't spend it, he meant the annual credit card fee, which is generally 100-300 yuan/year. Credit card itself is used for consumption and payment, and all merchants with UnionPay logo accept credit cards, which is quite convenient. As this card is not yours, please remind me: 1. See if there is a gender (male: MR) before the English name of the cardholder on the front of the card. If so, I suggest you return the card to your boyfriend. Merchants will know at a glance that it is not your card, and some merchants will refuse it, which is very embarrassing; 2. When signing the bill, most merchants will not compare their signatures. Your credit card consumption information will be reflected in the bill sent to your boyfriend, but there is only merchant information and consumption amount, and there is no consumption content. If your relationship is not particularly stable or your boyfriend likes to be serious and has not reached the stage of vows of eternal love, I suggest returning the card to him. If he doesn't accept it, don't brush it. Let him pay the annual fee. Whatever you do in the future will be good for you.